Premera vs smartbenefits
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Premera
Access your health plan details, view claims, and find in-network providers. Manage your digital ID card, track deductibles, and review prescription information. This app is designed for individuals with employer-sponsored health coverage in Alaska and Washington State.
- View claims and payment details
- Access digital ID card
- Locate in-network providers
- Track deductible status
- Manage prescription information
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Keep your health plan info right in your pocket DIGITAL ID CARD Forgot your card? We’ve got you covered - right here on your phone. Show it, save it to your photo gallery, or send it to your doctor. FIND CARE, IN PERSON OR VIRTUAL Locate nearby in-network doctors, hospitals, urgent care, specialists, and more. Find personalized virtual or wellness care options included in your plan. Get quick access to primary care and other providers you visited recently. VIEW YOUR CLAIMS Access detailed claims and Explanation of Benefits information for you and your dependents. Know when Premera receives a claim, when we pay it, what the provider may bill you, and how your plan benefits cover care. DEDUCTIBLE AND OUT-OF-POCKET MAX TRACKED No guessing needed. Know how much you have left to pay before Premera starts paying for certain expenses and when your maximum is paid. View individual and family deductibles and maximums any time. BENEFITS ALL IN ONE PLACE Get benefit details, booklets, pharmacy benefits, and more all in the app. Search your medical, dental, or vision benefits to understand your health plan coverage. PHARMACY BENEFITS AND PRESCRIPTIONS AT A GLANCE Check all your drug coverage benefits, order refills, manage medication, and search drug pricing. Use the Medicine Cabinet to view your prescriptions, including dosage and pharmacy information. Note: For 2026 plans, the Premera app supports only those who get coverage through their employer. The Premera app doesn’t currently support information for our Medicare Supplement customers, or for those who bought an individual or family plan through Washington Healthplanfinder.org or HealthCare.gov.
smartbenefits
Manage all your employee healthcare benefits in one place. Track plans, file claims digitally, and get pre-approved for cashless surgeries. Access health, life, and OPD plans with ease.
- Access health, life, and OPD plans
- Detailed coverage and limit view
- Digital claim filing
- Cashless surgery pre-approval
- Locate panel hospitals
- View covered daycare surgeries
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Smartbenefits is the all-in-one platform for employee healthcare benefits that can help you stay on top of all your health and wellbeing needs. Track and understand all your benefits, limits and coverages and make the most of your services. Get a personalized view of all your healthcare plans, instantly file your claims and get reimbursed digitally. Avoid any last minute hassle by getting yourself pre approved for cashless surgeries via the app and make the process seamless. What you can do on our app: - Access your health, life, and OPD plans with a single click - Get a detailed view of your coverages and limits - File a reimbursement claim or get prior approval for a planned surgery - Locate the nearest panel hospital for cashless treatments - View daycare surgeries and special investigation tests covered under your plan
Screenshots
Verdict
The clearest difference is rating: smartbenefits at 4.9 against Premera's 1.9. Premera's advantage is ratings volume (406 vs 16). On price, update cadence, ads and in-app purchases there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
smartbenefits holds the better App Store score, 4.9 against 1.9. That said, the two scores are not equally well evidenced: Premera has 406 ratings behind it against 16, so its average is the more settled of the two.
Premera ships an update every 2 weeks, smartbenefits every 3 weeks. The most recent releases landed on November 1, 2026 and October 24, 2026 respectively.
| Parameter | Premera | smartbenefits |
|---|---|---|
| Price | Free | Free |
| Rating | 1.9 (406 ratings) | 4.9 (16 ratings) — better |
| Positive reviews | 8.6% of reviews | — |
| Number of ratings | 406 — better | 16 |
| Update frequency | Every 2 weeks — better | Every 3 weeks |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 15.1 | 15.1 |
| Further details — not scored | ||
| Size | 57 MB | 67 MB |
| Age rating | 12+ | 4+ |
| Developer | Premera Blue Cross | SmartBenefits |
Customer experience
Premera
smartbenefits
Bugs and requests
Premera
Reported bugs
3 issues- Constant login failures and account access problems
- Provider search feature not functioning properly
- App crashes and freezes on various user actions
Requested features
3 requests- Add Apple Wallet support for insurance card
- Improve provider search and directory accuracy
- Expand coverage to include Medicare and individual plans
smartbenefits
Not enough reviews yet to summarise bugs or requests.
In-app purchases
Premera
No in-app purchases
smartbenefits
No in-app purchases
Questions
Is Premera free?
Is smartbenefits free?
Which has better reviews, Premera or smartbenefits?
Do Premera or smartbenefits have ads?
Which is updated more often, Premera or smartbenefits?
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